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Want to apply for a Prime Card, what do you think??

tag
10kbkb
Valued Member

Want to apply for a Prime Card, what do you think??

what are my chances and what can I apply for?? Should I wait until the end of November, maybe December? 

 

EQ Score 674

AAOA 8 Years

 

1 Negative Account 

  • Account paid for less than full balance
  • Paid charge off

1 Public Record 

1 inquiry that drops off November 20th.

0 Collections

 

I have a cap1 secured Limit  $300 Balance $0

GECRG/Care FIrst Limit $3400 Balance $773

Credit 1 AU Limit $1100 Balance $209 

Amex AU Limit $1000 Balance $33

Wells Fargo Dealer Services Balance $4731 Payments Agreed and on time. 

 

Message 1 of 6
5 REPLIES 5
Steelersboy
Frequent Contributor

Re: Want to apply for a Prime Card, what do you think??

i would think your chances would be better without the negativ acct, but veterans will be able to give a more detailed answer


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$89,500 total card credit FICO Equifax-823, FICO Transunion-774, FICO Experian-769, DTI-20.4%
Message 2 of 6
coldnmn
Mega Contributor

Re: Want to apply for a Prime Card, what do you think??

How old are your negative accounts. How many inq and how old are they. Also how old is your Cap1 some such as Chase don't take AU credit cards into consideration. 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 6
10kbkb
Valued Member

Re: Want to apply for a Prime Card, what do you think??

@coldnmn wrote:

How old are your negative accounts. How many inq and how old are they. Also how old is your Cap1 some such as Chase don't take AU credit cards into consideration. 


 

Negative Account

Wells Fargo is from 

Date of last activity 2008

Status of 2010 

Balance $0 

Paid Charge off

Settled for less then balance

 

Public Record 

Stellar Haverhill from 2007 

 

Cap1 is from 12/12

Wells Fargo Dealer Services is from 10/11

 

1 inquiry, and that would fall off in 19 days. (Nov 20th)

 

Message 4 of 6
coldnmn
Mega Contributor

Re: Want to apply for a Prime Card, what do you think??

I think your chances are good but stay away from Wells Fargo for obvious reasons. Also IMHO stay away from Citi and Chase I think you need more history for them. Barclay and Discover IT may be an option but don't go crazy. Slow and steady wins the race. Keep us posted and good luck.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 6
10kbkb
Valued Member

Re: Want to apply for a Prime Card, what do you think??

So you think Barclays and maybe discover IT.
Like co-branded sallie Mae? Or arrival?
I was maybe hoping chase, I got to decide rewards or cashback.
Message 6 of 6
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